Don't drive off the lot before the loan's final

12:50 PM,
Feb. 12, 2013

In this Jan. 9 photo, Chevy trucks line the lot of a dealer in Murrysville, Pa.

Written by

Jayne O?Donnell
| USA Today

It can seem like a great perk: Driving your new or new-to-you car home while a dealer works out the financing.

But it can turn out to be a bad idea.

That's because the terms of the loan discussed at the dealership can change to a much higher rate after a buyer takes a car home. Unscrupulous dealers may try to bring buyers back one or more times to sign new, costlier deals - a practice known as "yo-yo financing." ...